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6 FRIDAY September 19, 2025 The Jakarta Post The Jakarta Post FRIDAY September 19, 2025 7
Consolidated Financial Statements
PT Bank Mandiri (Persero) Tbk. & Its Subsidiaries
Statements of Financial Position Statements of Income and Other Comprehensive Income Statements of Calculation of Capital Adequacy Ratio for Commercial Bank Statements of Financial Ratios Statements of Commitments and Contingencies
As of 30 June 2025 and 31 December 2024 For the Periods Ended 30 June 2025 and 2024 As of 30 June 2025 and 2024 As of 30 June 2025 and 2024 As of 30 June 2025 and 31 December 2024
(In Millions of Rupiah) (In Millions of Rupiah) (In Millions of Rupiah) (In %) (In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED 30 June 2025 30 June 2024 INDIVIDUAL INDIVIDUAL
NO DESCRIPTION (Audited) (Audited)
NO DESCRIPTION 30 June 2025 30 June 2024 30 June 2025 30 June 2024 NO COMPONENTS OF CAPITAL (Audited) (Unaudited & unreviewed) 30 June 2025 30 June 2024 30 June 2025
INDIVIDUAL CONSOLIDATED NOTES
30 June 2025 31 December 2024 30 June 2025 31 December 2024 NO RATIOS NO RATIOS 30 June 2024 NO DESCRIPTION
(Audited) (Unaudited & (Audited) (Unaudited & Individual Consolidated Individual Consolidated (Audited) 30 June 2025 31 December 2024 30 June 2025 31 December 2024
unreviewed) unreviewed) (Unaudited & (Unaudited & 1. The above financial information is extracted from the Interim Consolidated Financial Statements of PT Bank Mandiri
ASSETS I CORE CAPITAL (TIER 1) 212,658,320 273,789,685 203,518,711 256,432,119 (Audited) (Audited) (Audited) (Audited) (Audited) (Audited)
1. Cash 20,771,076 23,325,843 27,500,191 31,665,082 unreviewed) unreviewed) (Persero) Tbk (“Bank”) and its Subsidiaries as of 30 June 2025 and for the six month period then ended, as prepared
OPERATING INCOME AND EXPENSES 1. Common Equity Tier 1 (CET 1) 212,658,320 273,789,685 203,518,711 256,432,119 I COMMITMENT RECEIVABLES
2. Placements with Bank Indonesia 156,402,833 99,451,907 188,474,273 154,720,202 PERFORMANCE RATIOS COMPLIANCE by the Bank's Management in accordance with Indonesian Financial Accounting Standards, have been audited by
A Interest and Sharia Income, Interest and Sharia Expenses, and Insurance Revenue 1.1 Paid-in Capital 11,666,667 11,666,667 11,666,667 11,666,667 1. Unused fund borrowings/financing facilities - - - -
3. Placements with other banks 55,231,401 56,710,305 60,301,891 60,324,335 1. Capital Adequacy 1. a. Percentage
KAP Purwanto Susanti dan Surja ("PSS") (a member firm of the Ernst & Young Global Limited) with Yovita, as partner
1.2 Disclosed Reserves 223,844,821 251,858,255 216,203,249 239,596,619 2. Outstanding purchase position of spot and
4. Spot and derivative receivables/forward 7,337,717 7,741,609 7,367,531 7,786,617 1. Interest and Sharia Income 60,432,879 53,537,644 81,576,343 72,223,848 Ratio (CAR) 18.35% 19.35% violation of derivative/forward 507,442,843 486,714,332 510,032,166 489,370,382 in charge, an independent auditor, in accordance with the Auditing Standards established by the Indonesian
5. Securities *) 239,788,503 174,284,731 353,493,673 290,842,385 1.2.1 Additional Factor 225,948,599 254,555,306 219,963,287 244,116,136 Legal Lending Institute of Certified Public Accountants, with an unmodified audit opinion, as stated in the report dated 17
2. Interest and Sharia Expenses 21,941,317 16,852,573 29,192,706 23,142,786 2. Non-performing 3. Others - - - -
6. Securities sold under agreement to 1.2.1.1 Other comprehensive income 34,820,346 35,465,020 34,612,468 35,202,499 earning assets and Limit September 2025 which is not included in this publication. Because the financial information above is derived from
repurchase (Repo) 52,799,633 90,285,233 52,799,633 90,677,899 Net Interest Income and Sharia Income II COMMITMENT PAYABLES
1.2.1.1.1 Excess differences arising from translation of financial non-performing the financial statements, it does not constitute a complete presentation of the financial statements.
7. Securities purchased under agreement to (Expenses) 38,491,562 36,685,071 52,383,637 49,081,062 statements 4,368 364,251 38,919 400,211 non-earning assets i. Related parties 0.00% 0.00% 1. Unused loan/financing facilities granted
resell (Reverse Repo) 3,967,032 7,166,266 6,737,791 8,290,138 3. Insurance Revenue - net - - 61,019 1,101,479 1.2.1.1.2 Potential gain from the increase in the fair value of to total earning to customers 2. The published financial statements above are presented to comply with the following regulations:
ii. Third parties 0.00% 0.00%
8. Acceptance receivables 6,022,909 9,161,722 6,473,240 9,313,865 Net Interest, Sharia and Insurance Income 38,491,562 36,685,071 52,444,656 50,182,541 financial assets measured at fair value through other assets and non- 0.73% 0.71% i. Committed 61,210,045 53,409,662 61,212,185 53,211,283
comprehensive income 328,024 328,024 85,595 85,595 earning assets b. Percentage of a. Financial Services Authority Regulation (POJK) No. 37/POJK.03/2019 dated 19 December 2019, regarding
9. Loans 1,327,536,899 1,310,779,402 1,655,987,678 1,623,216,612 B Other Operating Income and Expenses ii. Uncommitted 212,933,939 213,888,608 213,566,503 214,018,590
1.2.1.1.3 Surplus of fixed assets revaluation 34,487,954 34,772,745 34,487,954 34,716,693 3. Non-performing excess of Transparency and Publication of Bank Reports.
10. Consumer financing receivables - - 40,136,210 41,573,306 1. Gain (loss) from increase (decrease) in fair value Legal Lending 2. Outstanding irrevocable letters of credit 19,649,355 22,075,076 20,158,262 22,439,663
earning assets b. Financial Services Authority Circular Letter (SEOJK) No. 9/SEOJK.03/2020 dated 30 June 2020, regarding
11. Sharia financing - - - - of financial assets 880,361 821,275 962,229 902,697 1.2.1.2 Other disclosed reserves 191,128,253 219,090,286 185,350,819 208,913,637 to total earning Limit 3. Outstanding sales position of spot and
12. Investment in shares 15,016,495 15,016,495 2,356,183 2,418,734 1.2.1.2.1 Agio 19,661,550 18,095,274 19,661,550 18,095,274 0.71% 0.69% derivative/forward 507,202,640 486,300,423 511,070,495 491,607,013 Transparency and Publication of Conventional Commercial Bank Reports.
2. Gain (loss) from decrease (increase) in fair value assets i. Related parties 0.00% 0.00%
13. Others financials assets 41,318,396 40,639,678 43,665,991 42,689,706 of financial liabilities 1.2.1.2.2 General reserves 2,333,333 2,333,333 2,333,333 2,333,333 4. Allowance for 4. Others - - - -
14. Allowance for impairment on financial - - - - ii. Third parties 0.00% 0.00% c. POJK No. 14/POJK.04/2022 dated 22 August 2022, concerning the Submission of Periodic Financial Statements of
3. Gain (loss) from sale of financial assets 1.2.1.2.3 Previous years profit 146,332,243 174,206,597 138,706,815 161,934,390 impairment on III CONTINGENT RECEIVABLES
assets -/- 1,272,817 759,986 1,655,017 1,076,485 financial assets to 2. Reserve Issuers or Public Companies.
4. Gain (loss) from spot and derivative transaction/ 1.2.1.2.4 Current year profit 22,801,127 24,455,082 24,649,121 26,550,640 2.23% 2.60% requirement 1. Guarantees received 56,639,445 50,138,716 56,886,623 50,383,762
a. Securities (8,580) (9,390) (49,430) (50,958) earning assets d. Financial Services Authority Letter No. S-2/PB.11/2020 dated 20 January 2020, regarding Changes in the Format
b. Loans and sharia financing **) (38,729,054) (38,257,611) (51,296,241) (50,392,335) forward (realised) 202,099 238,249 231,680 253,249 1.2.1.2.5 Funds for paid-in capital - - - - 5. Gross NPL 1.08% 1.01% a. Primary reserve 2. Others 34,425 34,411 34,425 34,411
5. Gain (loss) from investment in shares under
of Published Reports.
c. Others (1,383,444) (1,436,458) (1,449,330) (1,489,188) 1.2.1.2.6 Others - - - - 6. Net NPL 0.39% 0.35% requirement IV CONTINGENT PAYABLES
15. Intangible assets 11,576,517 11,425,335 16,281,063 15,743,152 equity method - - - - 1.2.2 Deduction Factor (2,103,778) (2,697,051) (3,760,038) (4,519,517) Rupiah 4.98% 5.41% 1. Guarantees issued 158,284,415 148,825,466 160,148,114 150,866,192 e. Attachment to the Decree of the Chairman of Bapepam and LK No. Kep-346/BL/2011 dated 5 July 2011, regarding
7. Return on Asset
Accumulated amortisation for intangible 6. Gain (loss) from foreign currencies translation - - - - 1.2.2.1 Other comprehensive income (862,386) (695,869) (3,166,834) (2,990,381) (ROA) 2.89% 3.58%
i. Daily 0.00% 0.00% 2. Others 4,406,208 4,072,541 4,406,208 4,072,541 the Submission of Periodic Financial Statements of Issuers or Public Companies.
assets -/- (7,656,648) (7,217,467) (9,368,565) (8,698,409) 7. Dividend income 1.2.2.1.1 Negative differences arising from translation of financial 8. Return on Equity
16. Premises and equipment ***)
1,202,041 1,160,186 - - 21.06% 24.39% ii. Average 4.98% 5.41% f. Financial information and Cash Flow Statements in the Published Financial Statements are also prepared in
75,703,739 73,956,584 92,708,719 90,458,680
8. Comissions/provisions/fees and administrative 9,117,889 8,377,103 11,975,644 10,774,216
statements (313,929) (313,929) (344,092) (344,092) (ROE)
b. Reserve
Management of The Bank* accordance with Bapepam and LK Regulation No. VIII.G.7, Attachment to the Decree of the Chairman of Bapepam
Accumulated depreciation for premises 1.2.2.1.2 Potential losses from the decrease in the fair value of 9. Net Interest Margin
and equipment -/- (21,644,283) (20,415,920) (29,087,884) (27,427,835) 9. Other income 3,870,108 3,871,361 6,247,920 6,439,599 4.61% 4.92% requirement and LK No. Kep-347/BL/2012 dated 25 June 2012.
financial assets measured at fair value through other (NIM) 4.10% 4.10% Board of Commissioners
17. Non earning assets comprehensive income (548,457) (381,940) (2,822,742) (2,646,289) 10. Operating Expenses foreign
10. Impairment for financial assets 3,279,979 4,737,262 6,280,840 6,912,660 currencies 3. Related Parties in the Statement of Assets' Quality and Other Information are presented in accordance with Financial
a. Abandoned properties - net - - 5,531 9,403 1.2.2.2 Other disclosed reserves (1,241,392) (2,001,182) (593,204) (1,529,136) to Operating President Commissioner/Independent Commissioner : Kuswiyoto
11. Losses related to operational risk 17,843 11,607 32,779 22,235 Income
63.79% 55.88% Services Authority Regulation No. 32/POJK.03/2018 regarding The Legal Lending Limit and Provisions of Large Fund
b. Repossessed assets - net - - - - 1.2.2.2.1 Disagio - - - - i. Daily 2.00% 2.00% Deputy President Commissioner/Independent Commissioner : Zainudin Amali
c. Suspense account - net 7,016,786 4,557,985 7,037,839 4,574,940 12. Salaries and employee benefits 8,812,130 8,018,059 12,963,103 12,233,221 11. Cost to Income Ratio for Commercial Banks as last amended with Financial Services Authority Regulation No. 38/POJK.03/2019 dated 19
1.2.2.2.2 Previous years loss - - - - (CIR) 43.40% 32.43% ii. Average 2.10% 2.10% December 2019.
d. Interoffice assets 169,111 - 169,111 - 13. Promotion expenses 2,110,444 328,224 2,668,064 762,790 Commissioner : Muhammad Yusuf Ateh
18. Lease financing 1.2.2.2.3 Current year loss - - - - 12. Loan to Deposit Ratio 3. Net Open Position-
- - 5,089,866 5,757,076 14. Other expenses 12,943,716 8,478,410 18,129,527 13,092,131 90.22% 90.48% Commissioner : Luky Alfirman** 4. Start from 1 January 2025, Subsidiary in insurance industry has implemented SFAS 117 “Insurance Contracts” and SFAS
19. Other assets 1.2.2.2.4 Negative differences in allowance for possible losses and (LDR) overall 1.44% 0.68%
21,363,747 20,155,477 39,349,405 35,219,855 109 “Financial Instruments”
Other Operating Income (Expenses) (10,618,797) (6,345,402) (19,001,823) (13,576,791) allowance for impairment on earning assets - - - - Commissioner : Yuliot**
TOTAL ASSETS 1,972,600,785 1,877,321,726 2,514,684,369 2,427,223,262
LIABILITIES AND EQUITY PROFIT (LOSS) FROM OPERATIONS 27,872,765 30,339,669 33,442,833 36,605,750 1.2.2.2.5 Negative differences in adjustment amounts of financial Statements of Spot and Derivative Transactions Independent Commissioner : Mia Amiati 5. Certain accounts in the above Consolidated Statement of Financial Position as of 31 December 2024 and Consolidated
LIABILITIES NON OPERATING INCOME AND EXPENSES instruments based on valuation results in trading book As of 30 June 2025 Statement of Cash Flow for the year ended 31 December 2024 and for the six-month period then ended 30 June 2024
and adjusment amounts based on financial accounting Independent Commissioner : Zulkifli Zaini** (unaudited and reviewed), have been reclassified to comform with the presentation of Interim Consolidated Financial
1. Demand deposits ****) 615,463,337 551,033,679 672,166,185 605,764,528 1. Gain (loss) from sale of premises and equipment 235 825 1,558 1,462 standards - - - - (In Millions of Rupiah)
2. Saving deposits ****) 529,609,595 514,539,393 681,483,652 665,445,945 2. Other non operating income (expenses) 78,290 44,087 78,982 (2,087) Board of Directors Statements as of 30 June 2025 and for the six-month period then ended.
3. Time deposits ****) 314,804,375 261,314,782 474,831,284 427,686,443 1.2.2.2.6 Required allowance for non earning assets (1,241,392) (2,001,182) (593,204) (1,529,136)
PROFIT (LOSS) FROM NON OPERATING 78,525 44,912 80,540 (625) 1.2.2.2.7 Others - - - - INDIVIDUAL President Director : Riduan** 6. Exchange rate of 1 US Dollar as at 30 June 2025, 31 December 2024 and 30 June 2024 were Rp16,235.00, Rp16,095.00,
4. Electronic money 2,097,072 1,979,101 2,097,072 1,979,101
5. Fund from Bank Indonesia - - 10,641,173 18,417,864 PROFIT (LOSS) CURRENT PERIOD BEFORE TAX 1.3 Non Controlling Interest - 27,205,263 23,445,655 NOTIONAL and Rp16,375.00, respectively.
27,951,290 30,384,581 33,523,373 36,605,125 NO TRANSACTION Type Derivative Receivables & Payables Deputy President Director : Henry Panjaitan**
6. Fund from other banks ****) 22,219,217 25,207,287 24,817,889 27,720,211 1.4 Deduction Factor of CET 1 (22,853,168) (16,940,500) (24,351,205) (18,276,822) AMOUNT
Income tax expenses Trading Hedging Receivables Payables Director of Operations : Timothy Utama
7. Spot and derivative liabilities/forward 6,903,341 7,339,930 6,909,926 7,352,584 1.4.1 Deferred tax (3,941,759) (6,236,579) (6,670,095) (8,661,693)
8. Securities sold under agreement to a. Estimated current tax (3,645,820) (4,305,834) (5,030,398) (5,662,143) Jakarta, 17 September 2025
1.4.2 Goodwill - (482,091) - (482,091) A. Exchange Rate Related Director of Human Capital and Compliance : Eka Fitria
repurchase liabilities (Repo) 52,647,281 90,156,012 52,647,281 90,256,225 b. Deferred tax income (expenses) (1,504,343) (1,429,626) (1,642,649) (1,672,255) S. E & O
1.4.3 Intangible assets (3,919,869) (6,393,213) (3,718,995) (5,229,004) 1. Spot 14,867,174 14,867,174 - 6,492 6,538 Director of Risk Management : Danis Subyantoro
9. Acceptance liabilities 6,022,909 9,161,722 6,327,014 9,136,013 PROFIT (LOSS) CURRENT PERIOD 22,801,127 24,649,121 26,850,326 29,270,727 Board of Directors
1.4.4 Investments in shares calculated as deduction (14,991,540) (3,828,617) (13,962,115) (3,904,034) Director of Commercial Banking : Totok Priyambodo
10. Securities issued 36,721,396 27,110,945 53,479,057 41,181,325 PROFIT (LOSS) MINORITY INTEREST - - 2,395,244 2,720,087 2. Forward 82,100,004 82,100,004 - 477,178 231,950 PT Bank Mandiri (Persero) Tbk
11. Fund borrowings 113,912,416 97,593,015 141,785,216 129,802,935 1.4.5 Shortfall of capital in insurance subsidiaries - - - -
OTHER COMPREHENSIVE INCOME 1.4.6 Securitisation exposure - - - - 3. Option - - - - - Director of Corporate Banking : Mochamad Rizaldi
12. Margin deposits received 1,147,304 1,350,106 1,147,304 1,350,106
13. Interoffice liabilities - 31,468 - (21,278) 1. Items that will not be reclassified to profit 1.4.7 Other deduction of CET 1 - - - - a. Written 75,934,045 75,446,995 487,050 1,464 4,781,950 Director of Consumer Banking : Saptari
14. Insurance contract liabilities - - 36,304,108 35,487,487 or loss
1.4.7.1 Placement of funds in Tier 2 instrument to other banks - - - - b. Purchased 71,508,520 71,508,520 - 4,865,188 - Director of Treasury and International Banking : Ari Rizaldi
15. Other liabilities 32,681,063 33,378,343 52,130,022 52,189,092 a. Gain on fixed assets revaluation - - - - 1.4.7.2 Cross-ownership in another entity acquired by the transfer due to law,
16. Minority interest - - 31,088,499 29,678,252 4. Future - - - - - Director of Finance and Strategy : Novita Widya Anggraini
b. Gain (loss) from remeasurement of defined grants, or grants will - - - -
TOTAL LIABILITIES 1,734,229,306 1,620,195,783 2,247,855,682 2,143,426,833 benefits program 1.4.7.3 Exposures that give rise to credit risk due the settlement risk - 5. Swap 186,371,293 164,152,477 22,218,816 559,689 823,250 Director of Network and Retail Funding : Jan Winston Tambunan
42,717 - 46,980 137,845
EQUITY Non Delivery Versus Payment - - - - 6. Others - - - - - Director of Information Technology : Sunarto**
c. Others - - - -
17. Share capital 1.4.7.4 Exposures in subsidiaries that conduct business activity based on
2. Items that will be reclassified to profit or loss B. Interest Rate Related *) Position as of 17 September 2025 Novita Widya Anggraini
a. Authorised capital 16,000,000 16,000,000 16,000,000 16,000,000 sharia principles (if available) - - - - **) Effective after obtaining approval from the Financial Services Authority for the Fit and Proper Test and complying with applicable
Riduan
b. Unpaid-in capital-/- (4,333,333) (4,333,333) (4,333,333) (4,333,333) a. Gain (loss) from translation of financial 2. Additional Tier 1 (AT 1) - - - - 1. Forward - - - - - laws and regulations President Director* Director of Finance and Strategy
c. Treasury stock -/- - - - - statements in foreign currencies 21,105 129,264 40,034 202,420 - - - - -
2.1 Instrument which comply with AT 1 requirements - - - - 2. Option
18. Additional paid-in capital b. Gain (loss) from changes in the fair value 2.2 Agio/disagio - - - - a. Written - - - - -
Shareholders *) The effectiveness of this appointment is subject to and shall commence only upon the approval of the Financial Services Authority (OJK) for the fulfillment of the Fit and Proper Test requirements.
a. Agio 19,661,550 19,661,550 18,095,274 18,095,274 of financial assets measured at fair value
b. Disagio -/- - - - - through other comprehensive income 1,891,126 (833,287) 2,069,687 (820,629) 2.3 Deduction factor of AT 1 - - - - Ultimate Shareholder
b. Purchased - - - - -
c. Funds for paid-in capital - - - - 2.3.1 Placement of funds in AT 1 and/or Tier 2 instrument to other banks - - - - Republic of Indonesia 1 Dwiwarna Series A share
d. Others - - - -
c. Others - - 4,860 (8,260) 2.3.2 Cross-ownership in another entity acquired by the transfer due to 3. Future - - - - - Scan to download Bank Mandiri Financial Statement
Other comprehensive income current period law, grants, or grants will - - - - Non Ultimate Shareholder through Capital Market (≥ 5%) Nil
19. Other comprehensive income
after income tax 1,954,948 (704,023) 2,161,561 (488,624)
4. Swap 33,629,241 31,701,742 1,927,499 333,886 283,291 https://bmri.id/quarterlyfinancials
a. Gain 36,106,553 36,063,836 37,349,421 37,469,742 II SUPPLEMENTARY CAPITAL (TIER 2) 14,400,445 17,555,803 13,181,842 16,092,921
TOTAL COMPREHENSIVE INCOME CURRENT 5. Others 30,528,728 30,528,728 - 927,049 729,967 Non Ultimate Shareholder through non Capital Market (≥ 5%)
b. Losses -/- (529,994) (2,442,225) (1,277,687) (3,485,723) 1. Capital instrument in the form of stock or others which comply with Indonesia Investment Authority 8.00%
20. Reserve PERIOD 24,756,075 23,945,098 29,011,887 28,782,103 Tier 2 requirements 137,843 277,843 193,895 373,895 C. Others 32,849,097 32,849,097 - 166,771 46,395
a. General reserve 2,333,333 2,333,333 2,333,333 2,333,333 Profit (loss) current period attributable to: 2. Agio/disagio - - - - TOTAL 527,788,102 503,154,737 24,633,365 7,337,717 6,903,341 PT Danantara Asset Management (Persero) 52.00%
b. Appropriated reserve - - - - PARENT ENTITY 22,801,127 24,649,121 24,455,082 26,550,640 3. General provision on earning assets (max. 1.25% credit risk - weighted
21. Retained earning assets) 14,262,602 17,277,960 12,987,947 15,719,026
NON-CONTROLLING INTEREST 2,395,244 2,720,087
a. Previous years *****) 189,842,782 171,742,853 217,717,136 194,970,428 4. Deduction Supplemental Capital - - - -
TOTAL PROFIT (LOSS) CURRENT PERIOD 22,801,127 24,649,121 26,850,326 29,270,727
b. Current year
c. Paid dividend -/-
22,801,127
(43,510,539)
51,135,963
(33,036,034)
24,455,082
(43,510,539)
55,782,742
(33,036,034) Total comprehensive income current period attributable to:
4.1 Sinking Fund
4.2 Placement of funds in Tier 2 instrument to other banks
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Awards Enterprise Innovation Financial Literacy Award – Global Transaction Banking Bisnis Indonesia Awards Global Finance: Indonesia Most
TOTAL EQUITY ATTRIBUTABLE TO
OWNER 238,371,479 257,125,943 266,828,687 283,796,429
PARENT ENTITY 24,756,075 23,945,098 26,542,797 25,991,983 4.3 Cross-ownership in another entity acquired by the transfer due to law,
grants, or grants will - - - -
Awards 2025 – ASEAN Otoritas Jasa Keuangan (OJK) Innovation Awards 2025 – (BIA) 2025 – Bisnis Indonesia Treasury & Cash Reputable Companies
NON-CONTROLLING INTEREST 2,469,090 2,790,120
TOTAL EQUITY 238,371,479 257,125,943 266,828,687 283,796,429 TOTAL CAPITAL 227,058,765 291,345,488 216,700,553 272,525,040 Innovation Business The Digital Banker Best Bank Persero Management 2025 – SWA Magazine
TOTAL COMPREHENSIVE INCOME CURRENT
TOTAL LIABILITIES DAN EQUITY 1,972,600,785 1,877,321,726 2,514,684,369 2,427,223,262 PERIOD 24,756,075 23,945,098 29,011,887 28,782,103 30 June 2025 30 June 2024 30 June 2025 30 June 2024 Platform (AIBP) • Financial Service Provider with and Business Digest
*) Consolidated balance includes Securities owned by Subsidiary which classified "At Cost" in accordance with SFAS No. 410 "Accounting for Sukuk"
(Audited) (Unaudited & unreviewed) (Audited) (Unaudited & unreviewed) the Most Active Financial Literacy Best Bank for Cash Forbes 2025 World's Best Best Foreign
TRANSFER PROFIT (LOSS) TO HEAD OFFICE
**)
which has effective since 1 January 2012.
Consolidated balance includes allowance for impairment for consumer financing receivables and lease financing from Subsidiaries.
- - - -
Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated Best Transformation Management in Indonesia Banks – Forbes Exchange (FX) Bank Most Reputable
***) Including right of use assets. DIVIDEND - - - -
Project for Open Program
****) Consolidated balance includes temporary syirkah funds from Subsidiary.
*****) Accumulated losses of Rp162,874,901 had been eliminated against additional paid-in capital/agio through quasi-reorganisation on 30 April 2003. EARNINGS PER SHARE (in Rupiah) 244.30 264.10 262.02 284.47
RISK WEIGHTED ASSETS CAR
Forbes Euromoney Award for 2025 in Indonesia Companies Award
Credit Risk -
Weighted Assets 1,141,008,127 1,382,236,764 1,039,035,747 1,257,522,077 CET 1 Ratio (%) 17.18% 18.28% 18.17% 18.95% Category in Indonesia • Financial Service Provider with the 2025 – 1st Winner
Statements of Assets' Quality and Other Information Most Massive Establishment of OJK KEHATI ESG Award 2025 Excellence Indonesia's first-
Market Risk -
ranked state-owned bank Best Bank Awards –
As of 30 June 2025 and 2024 Weighted Assets 32,156,894 34,196,896 18,062,580 19,821,130 Tier 1 Ratio (%) 17.18% 18.28% 18.17% 18.95% PEDULI KEJAR Award – Indonesian Biodiversity Global Finance
Operational Risk
(In Millions of Rupiah) 64,518,330 81,656,177 62,675,961 75,849,894 Tier 2 Ratio (%) 1.17% 1.17% 1.18% 1.19% Euromoney Award Foundation (KEHATI)
- Weighted Assets
Total Risk Capital for Excellence • Best Achievement by a Bank in the LinkedIn Top Companies Best Bank in Indonesia
INDIVIDUAL Weighted 1,237,683,351 1,498,089,837 1,119,774,288 1,353,193,101 Adequacy KEJAR Program in Commemoration Listed Company in the 2025 – LinkedIn
Assets Ratio (%) 18.35% 19.45% 19.35% 20.14% Best Bank in Indonesia
NO DESCRIPTION
30 June 2025 (Audited) 30 June 2024 (Unaudited & unreviewed)
CAR BASED ON CET 1 FOR
of Indonesian Savings Day Capital Market Sector Top 1 Company in Indonesia
Special Sub Special Sub RISK PROFILE (%) 9.70% 9.71% 9.68% 9.75% BUFFER (%) 8.65% 9.74% 9.67% 10.39%
Current Doubtful Loss Total Current Doubtful Loss Total
Mention Standard Mention Standard
CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FULFILLED BY BANK
I RELATED PARTIES
Capital
1. Placements with other banks Conservation
a. Rupiah - - - - - - - - - - - - From CET 1 (%) 8.53% 8.54% 8.50% 8.56% Buffer (%) 2.50% 2.50% 2.50% 2.50%
b. Foreign currencies 988,302 - - - - 988,302 1,232,773 - - - - 1,232,773 Countercyclical
2. Spot and derivative receivables/forward From AT 1 (%) - - - - Buffer (%) 0.00% 0.00% 0.00% 0.00%
a. Rupiah - - - - - - - - - - - - Capital
b. Foreign currencies - - - - - - - - - - - - Surcharge
3. Securities for Systemic
a. Rupiah
From Tier 2 (%) 1.17% 1.17% 1.18% 1.19% Bank (%) 2.50% 2.50% 2.50% 2.50%
460,551 - - - - 460,551 177,669 - - - - 177,669
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold with agreement to repurchase (Repo) Statements of Cash Flows
a. Rupiah - - - - - - - - - - - - For the Periods Ended 30 June 2025 and 2024
b. Foreign currencies - - - - - - - - - - - - (In Millions of Rupiah)
5. Securities purchased with agreement to resell (Reverse
Repo)
CONSOLIDATED
a. Rupiah - - - - - - - - - - - - DESCRIPTION
b. Foreign currencies - - - - - - - - - - - - 30 June 2025 30 June 2024
6. Acceptances receivables - - - - - - 765 - - - - 765 (Audited) (Unaudited & unreviewed)
7. Loans and financing CASH FLOWS FROM OPERATING ACTIVITIES
a. Micro, small and medium loans (UMKM) - - - - - - - - - - - - Receipts from interest income 67,625,982 60,047,010
i. Rupiah - - - - - - - - - - - - Receipts from sharia income 12,363,824 10,154,597
ii. Foreign currencies - - - - - - - - - - - - Receipts from provision, commission and premium income 16,227,145 15,995,368
b. Non UMKM 10,431,006 - - - - 10,431,006 8,124,913 151 - - - 8,125,064 Payments of interest expenses (24,370,144) (18,161,247)
i. Rupiah 9,620,135 - - - - 9,620,135 7,307,863 151 - - - 7,308,014
ii. Foreign currencies Payments of sharia expenses (4,609,054) (3,868,804)
810,871 - - - - 810,871 817,050 - - - - 817,050
c. Restructured loans*) - - - - - - - - - - - - Payment of insurance claims expenses (3,751,540) (4,203,810)
i. Rupiah - - - - - - - - - - - - Receipts from the sale of government bonds - measured at fair value through profit or loss 171,804,956 82,389,274
ii. Foreign currencies - - - - - - - - - - - - Acquisitions of government bonds - measured at fair value through profit or loss (161,170,180) (86,048,976)
8. Investments in shares 14,552,122 - 414,227 25,191 - 14,991,540 13,536,121 - 414,227 25,191 - 13,975,539 Income from fair value through profit of loss classification - net 2,987,048 1,841,613
9. Other receivables - - - - - - - - - - - -
Other operating income - others 2,093,185 2,391,727
10. Commitments and contingencies
a. Rupiah 363,286 - - - - 363,286 473,658 38 - - - 473,696 Other operating expenses - others (5,696,485) (4,977,378)
b. Foreign currencies - - - - - - - - - - - - Salaries and employee benefits expenses (13,968,337) (16,909,250)
II THIRD PARTIES General and administrative expenses (11,456,126) (8,403,978)
1. Placements with other banks Non-operating income/(expenses) - net 78,982 (2,087)
a. Rupiah 28,395,913 - - - - 28,395,913 2,440,641 - - - - 2,440,641 Payment of corporate income tax (6,437,158) (6,336,428)
b. Foreign currencies 87,565,210 - - - - 87,565,210 64,424,157 - - - - 64,424,157
Cash Flows from Operating Activities Before Changes in Operating Assets and Liabilities 41,722,098 23,907,631
2. Spot and derivative receivables/forward
a. Rupiah 7,247,338 - - - - 7,247,338 3,945,683 - - - - 3,945,683 (Increase)/Decrease in Operating Assets:
b. Foreign currencies 90,379 - - - - 90,379 156,601 - - - - 156,601 Placements with Bank Indonesia and other banks (554,811) (1,659,180)
3. Securities Marketable securities - measured at fair value through profit or loss (32,053,583) (29,396)
a. Rupiah 167,437,222 - - - 11,539 167,448,761 177,995,827 - - - 25,130 178,020,957 Other receivables - trade transactions 123,453 (474,610)
b. Foreign currencies 71,879,191 - - - - 71,879,191 47,409,806 - - - - 47,409,806
Loans (21,225,643) (118,613,436)
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah 40,876,467 - - - - 40,876,467 34,015,711 - - - - 34,015,711 Sharia receivables/financing (15,892,229) (17,698,475)
b. Foreign currencies 11,923,166 - - - - 11,923,166 17,679,947 - - - - 17,679,947 Securities purchased under agreement to resell 1,552,347 15,297,588
538,363 (7,295,939)
5. Securities purchased with agreement to resell Consumer financing receivables
(Reverse Repo) Net investment in finance lease 575,914 (68,266)
a. Rupiah 3,967,032 - - - - 3,967,032 3,978,932 - - - - 3,978,932
Prepaid taxes (6,252) (394,340)
b. Foreign currencies - - - - - - - - - - - -
6. Acceptances receivables 6,018,009 4,900 - - - 6,022,909 15,188,516 - - - - 15,188,516 Prepaid expenses (1,066,737) (1,121,836)
7. Loans and financing Other assets (10,976,456) (6,579,782)
a. Micro, small and medium loans (UMKM) 131,215,600 3,907,667 361,413 423,473 1,340,265 137,248,418 121,035,935 4,321,681 478,075 826,568 578,334 127,240,593 Recovery of written-off financial assets 4,174,151 4,067,073
i. Rupiah 130,741,983 3,907,667 361,413 423,473 1,340,265 136,774,801 120,504,297 4,321,681 478,075 826,568 578,334 126,708,955 Increase/(Decrease) in Operating Liabilities and Temporary Syirkah Funds:
ii. Foreign currencies 473,617 - - - - 473,617 531,638 - - - - 531,638 Conventional Banking
b. Non UMKM 1,126,221,317 41,559,262 1,202,942 1,697,217 9,176,737 1,179,857,475 1,007,523,308 43,047,579 3,477,242 1,987,933 4,693,614 1,060,729,676
i. Rupiah 854,979,348 30,658,733 1,202,942 1,697,217 7,767,695 896,305,935 737,379,791 33,417,621 3,477,242 1,981,387 3,176,418 779,432,459 Demand deposits 62,043,075 24,432,922
ii. Foreign currencies 271,241,969 10,900,529 - - 1,409,042 283,551,540 270,143,517 9,629,958 - 6,546 1,517,196 281,297,217 Saving deposits 16,636,793 38,188,095
c. Restructured loans*) 34,081,677 35,818,316 579,800 496,476 6,245,357 77,221,626 34,156,906 34,919,885 2,580,854 530,953 3,628,973 75,817,571 Time deposits 58,551,738 14,369,163
i. Rupiah 23,122,135 24,918,482 579,800 496,476 4,836,315 53,953,208 26,296,590 25,289,927 2,580,854 530,953 2,111,874 56,810,198 Interbank call money (3,503,197) 2,294,677
ii. Foreign currencies 10,959,542 10,899,834 - - 1,409,042 23,268,418 7,860,316 9,629,958 - - 1,517,099 19,007,373 Obligation due immediately (493,500) 105,840
8. Investments in shares 23,000 - - - 1,955 24,955 - - - - 34,106 34,106
Insurance contract liabilities 714,719 (1,309,041)
9. Other receivables 28,512,451 29,009 - - 1,273,818 29,815,278 25,809,917 16,450 - - 1,283,544 27,109,911
10. Commitments and contingencies Other taxes payable (727,295) (974,215)
a. Rupiah 272,807,145 1,464,606 739 2,747 15,873 274,291,110 251,338,163 1,122,906 1,820 60,645 39,166 252,562,700 Other liabilities 4,229,838 7,810,101
b. Foreign currencies 176,403,263 1,020,095 - - - 177,423,358 144,263,605 1,033,090 - 2,103 - 145,298,798 Sharia Banking - Temporary Syirkah Funds
III OTHER INFORMATION Demand deposits - restricted investment and mudharabah musytarakah demand deposits 1,056,053 1,979,869
1. Value of bank's assets pledged as collateral: Saving deposits - restricted investment and unrestricted investment - mudharabah (822,271) 1,004,219
a. To Bank Indonesia - -
Mudharabah time deposits - unrestricted investment (7,280,308) (3,231,113)
b. To others - -
2. Repossessed assets**) - - Net Cash Provided by/(Used in) Operating Activities 97,316,260 (25,992,451)
*) Include restructured loans due to Covid-19. CASH FLOWS FROM INVESTING ACTIVITIES
**) Repossessed assets are presented net after the allowance for impairment of assets.
Decrease in marketable securities - other than at fair value through profit or loss 4,572,126 7,749,599
(Increase)/ Decrease in government bonds - other than measured at fair value through profit or loss (4,389,411) 5,613,441
Proceeds from sale of fixed assets 116,807 1,808
Allowance for Impairment (CKPN) and Allowance for Asset Quality Assessment (PPKA)
Acquisitions of fixed assets (1,916,395) (933,518)
As of 30 June 2025 and 2024 Acquisitions of intangible assets (566,889) (623,988)
(In Millions of Rupiah) Increase in Subsidiaries investment (1,000) (15,072)
Proceeds from control transfer of a subsidiary - 951,284
INDIVIDUAL Net Cash Provided by Investing Activities (2,184,762) 12,743,554
30 June 2025 (Audited) 30 June 2024 (Unaudited & unreviewed) CASH FLOWS FROM FINANCING ACTIVITIES
Allowance for Asset Quality Allowance for Asset Quality Receipts from marketable securities issued 23,639,079 13,656,848
Allowance for Impairment (CKPN) Allowance for Impairment (CKPN)
Assessment (PPKA) Assessment (PPKA)
NO DESCRIPTION Payments of marketable securities issued (11,537,478) (27,390,768)
Total Total
Total Total Receipts from fund borrowings 94,622,845 37,664,342
Allowance Allowance
Allowance
Stage 1 Stage 2 Stage 3 General Specific for Asset Stage 1 Stage 2 Stage 3 Allowance General Specific for Asset Payments of fund borrowings (91,061,981) (29,991,930)
for for
Quality Quality Payments of subordinated loans and marketable securities (8,392) (8,366)
Impairment Impairment
Assessment Assessment
(Decrease)/Increase in securities sold under repurchase agreements liabilities (38,148,982) 11,003,429
1. Placements with other banks 16,492 - - 16,492 552,314 - 552,314 16,665 - - 16,665 582,726 - 582,726
Payments for lease liabilities (789,704) (921,712)
2. Spot and derivative receivables/forward - - - - 73,137 - 73,137 - - - - 37,315 - 37,315 Payments of dividends (43,510,539) (33,036,034)
3. Securities *) 10,692 - 8,696 19,388 554,663 11,539 566,202 14,297 - 17,888 32,185 333,901 25,130 359,031 Net Cash (Used for)/Provided by Financing Activities (66,795,152) (29,024,191)
4. Securities sold under agreement to - - - - 7,821 - 7,821
Increase/(Decrease) In Cash And Cash Equivalents 28,336,346 (42,273,088)
repurchase (Repo) - - - - 16,892 - 16,892
5. Securities purchased under agreement Effect of Exchange Rate Changes on Cash and Cash Equivalents 675,579 4,564,843
to resell (Reverse Repo) - - - - 39,175 - 39,175 - - - - 33,913 - 33,913 Cash and Cash Equivalents at the Beginning of Period 244,038,123 243,801,693
6. Acceptance receivables 14,966 3,355 - 18,321 60,180 245 60,425 26,735 5,469 - 32,204 151,893 - 151,893 Cash and Cash Equivalents at the End of Period 273,050,048 206,093,448
7. Loans and financing *) 8,834,111 16,494,165 13,480,441 38,808,717 12,678,679 14,085,346 26,764,025 10,249,101 18,210,664 11,573,800 40,033,565 11,366,842 9,640,968 21,007,810 Cash and cash equivalents at the end of period consist of :
8. Investments in shares 30 - 12,418 12,448 145,752 76,685 222,437 30 108,835
- 244,196
44,530 44,560 135,361 Cash 27,500,191 24,063,481
9. Other receivables 44,615 218,636 1,283,544
1,284,367 1,542,466 1,546,795 258,099 Current accounts with Bank Indonesia 107,746,898 88,662,881
42,389 19,913 1,273,881 1,336,183 285,125 1,275,268 1,560,393
10. Commitments and contingencies 386,880 563,219 6,851 956,950 2,383,693 45,599 2,429,292 Current accounts with other banks 46,722,337 49,750,496
436,297 470,157 126,182 1,032,636 2,147,863 108,326 2,256,189
TOTAL 9,305,560 17,080,652 14,782,287 41,168,499 16,789,610 15,494,682 32,284,292 10,787,740 18,904,926 13,045,944 42,738,610 15,055,734 11,167,626 26,223,360 Liquid short-term investments with maturity period of three months or less from the date of
*) Allowance for impairment includes allowance for impairment for financial assets that are measured at fair value through other comprehensive income which is booked in equity. acquisition 91,080,622 43,616,590
Total Cash and Cash Equivalents 273,050,048 206,093,448
Bank Mandiri is licensed and supervised by the Indonesia Financial Service Authority (OJK)
and Bank of Indonesia also an insured member of Deposit Insurance Corporation (LPS).
Names mentioned 29 people and organisations named in the text · linked when the evidence is strong
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PT Bank Mandiri ASSETS
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Bank Indonesia
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Purwanto Susanti
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Young Global Limited
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Financial Services Authority
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Bapepam
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Bank Mandiri Financial Statement Other
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ranked state-owned bank
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Bank Awards
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CAR BASED ON
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Deposit Insurance Corporation
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